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*With Cash Bonus, Interest rate floor is 2.89% APR (Annual Percentage Rate). Member will receive $50 after auto loan is closed for loans up to $9,999.99, or $100 for auto loans amounts over $9,999.99. Without Cash Bonus, floor rate is 1.50%; 90 day no payment still offered. New money only; existing Metrum Credit Union loans not eligible. Limited time only. Rates effective as of 11/21/2013 and are subject to change without notice. With approved credit.